Current Rates

Deposit Rates

Certificates of Deposit

 

Terms Standard Rate Relationship Rate
6-Months 3.25% APY* 3.50% APY*
12-Months 4.25% APY* 4.50% APY*
24-Months 4.00% APY* 4.25% APY*
36-Months 3.75% APY* 4.00% APY*
48-Months 3.60% APY* 3.85% APY*
60-Months 3.55% APY* 3.80% APY*

$1,000 minimum for 6 month and 12 month terms. $5,000 minimum on all other terms.


*APY = Annual Percentage Yield. Penalty imposed for early withdrawals. Fees may reduce earnings. Unless you withdraw or transfer the account funds at maturity or within the 10 calendar day grace period, your account will automatically renew to a certificate with the same term at the rate available at that time for that term. APY, terms, and conditions are current as of 04/01/2023 and are subject to change without notice.

Savings Accounts

Long Term Savings Account Balance

Opening Balance Div. Rate APY*
$250-$9,999 0.40% 0.40%
$10,000-$24,999 0.50% 0.50%
$25,000-$49,999 0.75% 0.75%
$50,000-$99,999 0.99% 1.00%
$100,000-$249,999 1.24% 1.25%
$250,000 or greater 1.49% 1.50%

Emergency Savings

Opening Balance Div. Rate APY*
Less than $250 0.00% 0.00%
$250.00 or more 0.05% 0.05%

Additional Savings Account Balance

Opening Balance Div. Rate APY*
Less than $250 0.00% 0.00%
$250.00 or more 0.05% 0.05%

Reverse Tier Savings

Opening Balance Div. Rate APY*
$0-$2,000 6.79% 7.00%
$2,001-$5,000 3.45% 3.50%
$5,001-$10,000 0.30% 0.30%
$10,001-$50,000 0.25% 0.25%
$50,001 or greater 0.10% 0.10%

*Annual Percentage Yield Account. Subject to maintenance and/or activity fees.  Fees could reduce the earnings on the account. APY, terms, and conditions are current as of 03/01/2023 and are subject to change without notice.

Loan Rates

Home Loans

Home Equity Option

Loan-to-value APR**
Up to 89.99% LTV as low as 8.74%

 

The APR for a Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin. The maximum APR is 12.00%. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment for variable rate balances will be established at the close of each billing cycle at an amount equal to the greater of 1.00% of Your then unpaid balance or all accrued but unpaid Finance Charges incurred during the billing cycle, subject to the lesser of $50.00 or your variable rate balance.

What you should know about Home Equity Line of Credit

1st Mortgages
Please contact us for current 1st mortgage rates.

We offer:

  • Fixed-Rate and Variable 1st mortgages
  • 10,15,20 and 30-year terms
  • FHA, VA, adjustable rate and jumbo mortgage options
  • No Closing Costs options
  • Free mortgage analysis

 

2nd Mortgages

Please contact us for current 2nd mortgage rates.

**Annual Percentage Rate (APR) for Fixed-Rate products are accurate as of publication date and are subject to change. Published rates are based on approved credit and combined loan-to-value of your home

Personal Loans

Overdraft Line of Credit

Annual Percentage Rate (APR) Term
Variable – Prime plus 12.00% N/A

 

Signature Loan

Credit Score Annual Percentage Rate (APR)*
740-779 12.25%
720-739 14.25%
700-719 14.25%
680-699 17.25%
660-679 17.25%

*(APR) is accurate as of publication date and is subject to change. Terms up to 48 months. Published loan rates, terms and amounts are based on credit approval and are subject to change. Payment amount is determined by APR and term. Loan amounts of up to $35,000 are available. Minimum loan amount of $1,000. Document fee may apply.

 

Debt Elimination Loan

Credit Score Annual Percentage Rate (APR)*
740-779 11.75%
720-739 13.75%
700-719 13.75%
680-699 16.75%
660-679 16.75%
640-659 18.00%
600-639 18.00%
599 < 18.00%

*(APR) is accurate as of publication date and is subject to change. Published loan rates, terms and amounts are based on credit approval and are subject to change. Payment amount is determined by APR and term. Loan amounts of up to $50,000 are available. Minimum loan amount of $2,500. Document fee may apply.

Vehicle Loans

Auto Purchase

Credit Score APR* LTV
740-779 6.74% 100% of MSRP
720-739 7.24% 100% of MSRP
700-719 8.24% 90% of MSRP
680-699 9.24% 90% of MSRP
660-679 10.24% 90% of MSRP
640-659 12.74% 90% of MSRP
600-639 18.00% 80% of MSRP
<599 18.00% 70% of MSRP

*APR=Annual Percentage Rate

 

Classic Vehicles

Credit Score APR*
740-779 10.24%
720-739 10.74%
700-719 11.74%
680-699 12.74%
660-679 13.74%
640-659 16.24%
600-639 18.00%
<599 18.00%

*APR=Annual Percentage Rate

 

Recreational Vehicle Loans

Credit Score APR*
740-779 10.24%
720-739 10.79%
700-719 11.24%
680-699 12.24%
660-679 15.00%
640-659 18.00%

*APR=Annual Percentage Rate

 

Off-Road Vehicles

Credit Score   APR
740-779   11.24%
720-739   11.79%
700-719   13.24%
680-699   14.24%
660-679   17.00%
640-659   18.00%

*APR=Annual Percentage Rate

 

Motorcycle & Dirtbike

Credit Score APR*
740-779 8.74%
720-739 9.24%
700-719 10.24%
680-699 11.24%
660-679 12.24%
640-659 14.74%
600-639 18.00%

*APR=Annual Percentage Rate

APR*= Annual Percentage Rate. Payment amount is determined by APR and term. For example, the payment on a $25,000 at 4.49% for 84 months would be $347.40. See credit union for complete details.